Resources for resolving common issues with Navient products and services
You can reduce the number of unwanted calls from Navient you get by signing up for the National Do Not Call Registry. It's free. Visit http://donotcall.gov to register your number.
How do I register?
Add your phone number for free by visiting http://donotcall.gov, or calling 1-888-382-1222 from the phone you want to register (TTY: 1-866-290-4236)
If you register online, you will receive a confirmation email from http://donotcall.gov. You must click on the link in the email within 72 hours to complete your registration.
How long does it take?
Your phone number should show up on the Registry the next day. Most sales calls will stop once your number has been on the Registry for 31 days. You can verify that your number is on the Registry by visiting http://donotcall.gov or calling 1-888-382-1222.
Where can I file a complaint about an illegal sales call or a robocall?
To file a complaint, visit http://donotcall.gov, or call 1-888-382-1222 (TTY: 1-866-290-4236).
Will I hear back from the FTC regarding my complaint?
Due to the volume of complaints, the FTC cannot respond directly to every complaint. The FTC and other law enforcement agencies analyze complaints to spot trends and to identify and take action against the people responsible for these illegal calls.
What's a Robocall?
If you answer the phone and hear a recorded message instead of a live person, it's a robocall. You've probably gotten robocalls about candidates running for office, or charities asking for donations. These robocalls are allowed. But if the recording is a sales message and you haven't given your written permission to get calls from the company on the other end, the call is illegal. In addition to the phone calls being illegal, their pitch most likely is a scam.
What Should You Do If You Get a Robocall?
If you get a robocall:
Navient Debt collection improper contact or sharing of info contacted employer after asked not to January 30, 2016 - I was serviced with a notice of wage garnishment and after repeated calls to my work I was placed on notice by my employer. I was involuntarily laid off prior to me becoming homeless and like I stated I have been at my current employer for less than 3 months now. I do not have money to eat or live and have documents to show so. I created a packet with all documents required and submitted all - pages to the number on the sheet and addressed it to the company and presiding judge. And I have proof of this. I called General Revenue Corporation this morning and was transferred numerous times inf... |
Navient Debt collection communication tactics frequent or repeated calls January 22, 2016 - I received 3 calls to my cell phone on -/-/2016 and 2 more today -/-/2016 from Pioneer Credit. There have also been calls to my sister 's cell phone, my parents ' home and other calls to cousins, aunts, in-laws, etc. I am not the holder of this debt, but Pioneer Credit continues to call in an attempt to find the debt holder. I told the caller to stop harassing my family. Hopefully it will stop as the FDCPA only allows them one communication per person ( which they have already exceeded to many of the above mentioned persons ) and they must stop if told to. ... |
Navient Student loan can't repay my loan can't temporarily postpone payments January 20, 2016 - Dear President Obama, and CFPB : I am writing you to plead for assistance. - individuals like myself are facing a student loan crisis and although we are hardworking people we do n't earn enough to eat. Two and a half months ago I obtained employment after being laid off and unable to find work. Prior to - 2016 I was residing on the streets and utilizing food kitchens to eat. Last month I began receiving calls at work from the Student Loan Collection Company General Revenue Corporation and as a result was put on verbal notice by my employer that any further collection call at work and I ... |
Navient Debt collection communication tactics frequent or repeated calls January 15, 2016 - Pioneer Credit Recovery , Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day. ... |
Navient Debt collection disclosure verification of debt not given enough info to verify debt January 8, 2016 - In - of - I began receiving phone calls from Pioneer Credit in regards to student loan debt. I have not received written communication from them, although they claim to have sent it. In an effort to stop a possible wage garnishment I agreed to make - good faith payments of $100.00. Those were done in -, - and -. Since that time I have not had any communication with the company other then phone calls. Nothing written at all. On - -, - I was informed by my payroll dept that Pioneer had submitted an order to garnish my wages. I have had no written communication from t... |
Navient Consumer Loan problems when you are unable to pay January 6, 2016 - - - -, - - - - -, -, -, Louisiana and - Reference : Retirement Benefits Claim Number - - - - : Office of Personnel Management Debtor : Small Business Administration. The Department of Treasury have sent notice to - - - to collect $260.00 monthly. However, my pension was delayed for approximately - which made me fall behind in payments. I have contact OPM on several occasions. It appears the Agency will not address this issue or provide adequate reasons why benefit was being delayed. I am requesting an investigation to resolve this ma... |
Navient Student loan dealing with my lender or servicer keep getting calls about my loan January 5, 2016 - I have asked that all correspondence be by mail. Pioneer Credit calls multiple times a day to myself and numerous family members. They are now engaging in deceptive practices of making false representations by somehow displaying my family names on the caller id in place of their phone number. This is harassing and intimidating uncalled for actions on the part of Pioneer Credit. ... |
Navient Debt collection disclosure verification of debt right to dispute notice not received January 4, 2016 - General Revenue Corporation sent a letter dated on -/-/- about an alleged debt I do not owe. In the - paragraph they state that it is their second attempt to notify me of the debt yet they have never contacted me before nor have I ever heard of General Revenue Corporation until today -/-/- when I received their letter. Nowhere on the letter does it say I can dispute the debt. Also there are - different addresses listed on the bill in - different towns out of - different states. The average consumer would have absolutely no idea what address to send a dispute to. The... |
Navient Student loan can't repay my loan can't decrease my monthly payments December 18, 2015 - I get calls from Navient aka -. Today -/-/2015 I have recieved - calls from them demanding payment of a account I handle when I ask to speak with a supervisor its always a hassle. When I ask them not to call me after a certain time due to my work schedule i get told they will call me up to - is there anything I can do ... |
Navient Student loan dealing with my lender or servicer trouble with how payments are handled December 17, 2015 - I have private student loans through Navient ( formerly - ), which are set up for automatic monthly payment. Enrollment in automatic payments affords me a 0.25 percent reduction in my interest rate. Last month, with no notice provided to me, Navient placed my loans on an in-school deferment, which cancelled my automatic payment and accordingly raised my interest rate by 0.25 percent. I enrolled in a part-time online course a few months earlier, and was unaware that the school had contacted Navient and that my part-time status was sufficient for a deferment. I learned this information durin... |
Navient Student loan dealing with my lender or servicer keep getting calls about my loan December 17, 2015 - I have a student loan with Navient ( Formally - - ) and I forgot to make two payments and I started to receive phone calls on Friday. I received one on Friday, one on Saturday, one Sunday, one on Monday, 7 on Tuesday ( 3 of which occurred after I scheduled an online payment to make account current ) and then one more on Wednesday after the payment cleared the bank. ... |
Navient Student loan can't repay my loan can't decrease my monthly payments December 17, 2015 - I am a graduate of - in -, NY. I have - private loans services by Navient. They loans have now entered repayment and the total due monthly is about $730.00. In tandem with my federal loan debt obligations, these payments combined with my housing costs consist of 85 % of my monthly income. It is unsustainable for me to possibly keep up such high payments. Upon calling Navient, I was informed that only - of my loans was eligible for a temporary reduction ( 12mos ) after which my payments would become even higher than they were originally. I was told that my other loan could not be ... |
Navient Student loan can't repay my loan can't decrease my monthly payments December 17, 2015 - I keep getting harassed at my work of employment by Navient Solution student loans. My manager has spoke to them and stated not to call at my place of employment. That we do not take personal calls at work and to call my personal number. They still keep calling and bothering me. It is to the point that my job is on the line because of all the harassment that my company is looking to let me go. Please help. I am a service member and under SCRA I have been done wrong. Not only have they been adding interest, I was not promised my 6 % APR for my finance. This is just wrong and they wo n't stop to... |
Navient Student loan dealing with my lender or servicer received bad information about my loan December 17, 2015 - I 've been working with - - -, -. since - -, paying them $100.00 each month in order to have my debts with - - and - University " settled '' or " dismissed ''. I began receiving calls from Navient in -/-/-/-/-/- saying that they had taken over my account from - - and needed to speak with me regarding my accounts. Having been informed by - not to speak to any of the companies regarding my debts, but to refer them to -, I attempted to contact - to resolve the issue. I did n't hear back from - either in -/-/- or -/-/- despite cont... |
Navient Debt collection improper contact or sharing of info talked to a third party about my debt December 16, 2015 - - - called from Navient on -/-/15 at - -, regarding a client, - -, who has an outstanding student loan. I know - -, however, but in no way associated with this loan. - - has contacted me on my cell phone, called members of my family and friends releasing confidential information about - - ' debt. He gave this contact number -. I called him back, however, he refuses to answer his phone. At - time, he picked up the receiver and placed it on the desk. I could hear voices talking on the phone. This has to stop and I will start with placing a complain... |
Navient Student loan getting a loan can't qualify for a loan December 16, 2015 - My client entered into a repayment agreement with - - - - ( hereinafter referenced as " - '' ) on behalf of Navient in regards to private student loan which were in default. My client understood entering into the agreement would cure his default. My client has performed under the aforementioned agreement since -, 2014. However, in more then one and half years, Navient and/or - have refused to cure the negative reporting entries on my client 's official credit reports. This slanderous behavior is now damaging my client insomuch as he is attempting to purchase a home, has a ... |
Navient Debt collection improper contact or sharing of info talked to a third party about my debt December 16, 2015 - The company General Revenue Corporation has been contacting family members and friends of mine but not me directly. They have left account information, along with phone number but no company name every time or it is someone that - is not their primary language calling. I have been in contact with the company as well as Navient and both representatives have told me that this matter is no longer being handled by this company. I have gone as far as emailing them to cease and desist calling other parties that have nothing to do with the matter that they need to contact Navient as I have and get... |
Navient Student loan dealing with my lender or servicer having problems with customer service December 16, 2015 - Navient collections. I am - per Social Security. They determined I was - since - but my claim was filed in -. - verified this determination as well. I subsequently sent the information to Navient who contracts with - to determine - status claims. - - has been denying others beside myself. I have a - determination and Navient only reviewed the medical. I am prepared to submit - records and asked the Navient collector for the form to submit my - status and the collector told me " if you want the papers, you go get the papers. '' I propose - review of - c... |
Navient Student loan can't repay my loan can't decrease my monthly payments December 16, 2015 - I went back to school at - tech in -/-/-, and within 12 months i had an issue where i was not able to complete my degree. Due to this, i had incurred a loan of approx. - and at the time was not able to pay the $ -+ a month for the loan as i was working minimum wage. I had to put my loans into forbearance twice in two years and make whatever payments i could towards these payments. Over the last almost 9 years, i have attempted to pay down this debt to the tune of 10.25 % and navient, - - selling the account to them, would not work with me to lower not only the payment of th... |
Navient Debt collection improper contact or sharing of info contacted me after i asked not to December 15, 2015 - This is not my debt, this is my brother 's debt. This company ( Navient ) has obtained mine, as well as my husband 's information and has been contacting us. I have already told them I do not know where my brother is and asked them to stop calling me, but they have persisted. I am on the " Do Not Call Registry '' and have made a formal complaint with them as well. I have made multiple attempts to contact them regarding this issue and have been hung up on, lied to, and treated poorly. I attempted to block their calls, but they call from a different number every time. This company seems to be lo... |
Navient Student loan dealing with my lender or servicer need information about my balance/terms December 15, 2015 - In a recent attempt to finalize re-payment options for my student loan with Navient Solutions, I was told that there was a second loan which had not been accounted for in addition to my current loan that shows a balance of $2800.00. When I inquired about this second loan I was told that it was a larger loan with a balance of around $11000.00 and that I needed to address this - as well or I could be facing possible action and even wage garnishes. I informed the Navient representative that I did not want to accept any unknown loan without seeing paperwork regarding this " new '' account. ... |
Navient Student loan dealing with my lender or servicer trouble with how payments are handled December 15, 2015 - I have - private student loans managed by Navient and I have made student loan repayments to them for over 3 years. Recently, they enrolled me in a special repayment program started from - 2015. Navient & I both mutually agreed $ - monthly payment at 3 % interest to cover the - private student loans mentioned above in order to bring my - student loans into current. I set up auto debit with Navient and they have withdrawn - payments with total of $1200.00 from my checking account. After withdrawing the first payment on - -, 2015, their staff called me and told me that ... |
Navient Student loan dealing with my lender or servicer keep getting calls about my loan December 14, 2015 - I attended - University - for profit school - from - - -. I was pressured into finalizing my enrollment quickly and made promises that were not kept. The only option available was Sallie Mae - - Loans, I was given no other options. I now have over - in private loans on my credit and my - year-old mother co-signed the loans, so she is liable, as well. We have been harassed for years by agressive collectors who call our houses and our cell phones, and have received collection letters demanding payment in full. I am praying that someone can help me with a solution becau... |
Navient Debt collection improper contact or sharing of info contacted employer after asked not to December 14, 2015 - I need someone to address this issue expeditiously : Two years ago the - turn our account account over to a unethical, unlawful collection agency that harass you and tell lies to get money out of Americans who has loans with the - - -. Something needs to be done about the company ASAP there name is Pioneer Credit Recovery they are a collection agency out of New York that does bad business practices. In 2014 they took my tax refund because they lied and told the - that my - - - - was a Student Loan Something needs to be done about this Company ASAP. Send out a Stop an... |
Navient Student loan dealing with my lender or servicer don't agree with fees charged December 14, 2015 - I went to the - institute of - for schooling in - virginia. I have now learned that their is a lawsuit pending by the government against - and their practices. I feel that i am part of the predatory lending as after going through repayment since 2011 i have noticed my loans ballooning ( specifically from my private loans not federal ) attached is current loan " payments '' and you will notice that even when im on interest only that my interest payments are not even covering the interest that is supposedly accrued making it into a ballon payment ... |
Navient Student loan dealing with my lender or servicer having problems with customer service December 12, 2015 - I have private loans for school through Navient. - Fee 's were assessed when I was in school. - Most Fee 's were reversed after proof sent to Navient showing I was in school status. - $27.00 in fee 's remained after very lengthy back and forth. - Several month 's later I received a bill for $27.00. Called Navient, spoke to female CS rep who advised me to pay the fee online so I could avoid large fee to pay by phone. -Paid $27.00 online per first female CS rep direction on - -. Payment posted to account undefined on - -. -Received second bill in - stating I owed $27.... |
Navient Student loan dealing with my lender or servicer having problems with customer service December 11, 2015 - This complaint regards - signature student loans disbursed -/-/- and -/-/-. The loans are currently held by Navient - - -. I am currently in school at University of - - - - in -, New Hampshire. I entered this school -/-/-. Each year, I filled out a new deferment form for my prior student loans. This fall, I had to do the same. I went onto Navient 's website and printed out the required deferment paperwork. I had my registrar complete the paperwork and fax the documents to Navient. Navient 's website says that deferment requests may take up to 21 da... |
Navient Student loan can't repay my loan can't decrease my monthly payments December 10, 2015 - I 'm writing to you with the hope of exposing what my family and I have endured with -/Navient over the last 8 years. Moreover, I 'd like to ask for your help. I feel that I 'm being cornered and I do n't know how to further defend myself. I need your assistance in bringing an end to the bullying, harassment, incompetence, and the never-ending debt that binds me to - -/Navient. Several recent events have made me reach out to you. It seems that - -/Navient is becoming increasingly fearless, and they 've gone as far as issuing threats and attempting to extort my mother. The hara... |
Navient Student loan can't repay my loan can't decrease my monthly payments December 9, 2015 - I tried contacting Navient to lower my monthly payment for my private student loans. They told me that while they do offer income based repayment options, only - out of my - loans was eligible for this incentive. They told me that my other - loans were not eligible as they were not dispersed before a certain date. I called on - separate occasions. The first time I called they informed me that they could lower my student loan payment from $410.00 a month to $280.00. Then they they told me that they could only get it down to $360.00. I had to end the call because my lunch break... |
Navient Student loan can't repay my loan can't temporarily postpone payments December 9, 2015 - I am a - and am now entering my fifth year of -. When I entered - - -/-/2011, I deferred both my federal and private - student loans until I am out of - -. My private loan at the time was through - -, which is now Navient. This fall Navient informed me that I had a 48 month limit to my loan deferment, even if I have been enrolled as a full-time student this entire time, according to my promissory note. I found the promissory notes ( I have - loans with Navient ) with the electronic signature from when I took the loans out, and there is no language that says I on... |
Navient Student loan dealing with my lender or servicer having problems with customer service December 9, 2015 - My complaint/report regarding - ( - ) loans for my daughter that attended " - - '' in Missouri and Navients - previously - - - business procedures : e-mails/contacts I receive with subjects like : " Your Navient account information '' I get frustrated because it is very difficult to tell when I am receiving " VITAL '' information when a person is getting inundated with an overabundance of un-necessary contact. For example, because our daughter has " - '' loans with Navient for her term in college, I received - e-mails ( like the one below ) on - -, 2015. All... |
Navient Student loan dealing with my lender or servicer trouble with how payments are handled December 9, 2015 - I attended - - -, wa - and university of Idaho in - -, ID ) now my student loans ( both federal and private ) are in repayment w - and Salliemae. My - major complants is that after I qualified for IBR plan they sold my loan to another agency without contact me and now - having trouble with a third company and having to reapply for an IBR. In addition - has removed funds out of my bank account without permission, multiple times over the last 6month 's. I have called once to four times per day directly to the onbuds but have not received any calls or written stateme... |
Navient Student loan can't repay my loan can't get flexible payment options December 9, 2015 - Michigan - - - -, - -, MINavient harrasses me and co-signers by phone and continues to do so even though I have never been in default. They treat me and my co-signers disrespectfully. They add fees, jack up interest, and refuse to offer reasonable, payable, payment plans. They allocate payments they way they want to even with written instructions as to the payment allocation. Web payments sometimes do not go through initially or no confirmation is given. They may then go through several days later, or I may remake the payment as there is no record of it. This is a sca... |
Navient Student loan dealing with my lender or servicer trouble with how payments are handled December 8, 2015 - Navient services - of my private loans and - of my - loans from when I attended the University of -. Over the course of the last couple years, as I have repaid the loans, I have noticed multiple issues with how the allocate payments and how the interest is applied. In particular, I have decided over the last half year to make a plan to pay my loans off in the next two years, and so made amortization tables and created a plan to pay off my highest interest rate loans first. I noticed that when I had been mailing in extra cash in addition to my normal payments, there were glaring inc... |
Navient Student loan can't repay my loan can't decrease my monthly payments December 8, 2015 - I attended - in -, MA and graduated in -/-/- with a - in -. I have - outstanding - - ( now Navient ) " Smart Option '' loans and the six month grace period has ended. The principle & interest payment of $850.00 have now come due starting -/-/-, this payment is based on a 10 year payback term ( I believe ). I have contacted Navient in an effort to discuss repayment options available to me and was told because of the type of loans I have, I can not be considered for an extended repayment. The only program that I could qualify for is a temporary rate reduction, wh... |
Navient Debt collection disclosure verification of debt not given enough info to verify debt December 8, 2015 - I originally did go delinquent on a college loan directly with - college in - in -. They sent it to collections and a couple of different companies picked up the debt. I paid the collection in full in -. However the collection company that had the debt last moved the original delinquency date up to when they acquired the collection contract to - of -. It is my understanding that original delinquency date of - should be the reported case. ... |
Navient Student loan dealing with my lender or servicer received bad information about my loan December 8, 2015 - On - -, 2015, I was informed by the CFPB " The company was unable to respond to my complaint because of pending litigation about the same issues raised in the complaint. No further action will be taken on the complaint. '' At this time I am submitting a new complaint to reassert the issue presented in complaint number -. ... |
Navient Student loan dealing with my lender or servicer need information about my balance/terms December 8, 2015 - Enrolled in a - - school ( - -, -, Indiana - ) was lied to about job placement, lied to about how my education would be covered mostly by grants, and they kept pushing this on me. They pushed me into a - - ( Now Navient ) Loan, said I met the criteria with a cosigner, and it was the best loan one could get. When in all truth it was the WORST. Variable rate that is up to % 13 percent, and climbing. I owe more on the debt now than when I first took it out. Come to find out there were - loans with FI-ED interest rate at 6.8 %, and there was no income requirement. Th... |
Navient Student loan can't repay my loan can't temporarily postpone payments December 7, 2015 - I have a Signature Student loan through Navient that was originally obtained when I was a - student at - of New Jersey - - - -. I have been trying to defer/forbear this loan for the last several months ( I am currently an - ) and have not had success despite submitting - sets of paperwork that were 'signed off ' on by my -. I was told that the - set of paperwork was 'not the correct type ' and was given another set of paperwork to complete. After the last set of paperwork was submitted, I received emails stating that the paperwork had been 'declined '. When I call... |
Navient Student loan dealing with my lender or servicer keep getting calls about my loan December 7, 2015 - Navient has contacted - parties ( in-laws ) in regards to my outstanding student loan debt and has announced the call as a debt collection call to them. ... |
Navient Student loan dealing with my lender or servicer trouble with how payments are handled December 7, 2015 - I made arrangements with Navient to bring my account current and into forbearance. I made a payment of $240.00 on - - and they stated that another payment would not be due until - -. On - - another payment for $240.00 was taken out and they are saying it was done through the online payment method. I did not log into that account at any time around that date and did not make that payment. They have agreed to refund the payment within 6 to 10 business days but my account is now overdrawn and they do not want to cover the overdraft fees. Not only am I not able to make curren... |
Navient Student loan can't repay my loan can't decrease my monthly payments December 6, 2015 - I have a private and federal loan with Navient, formly - -. Recently, I contacted them to reset my loan amount payments based on my income and to defer the payments since I 'm back in school full time. I was told they can defer payments on the federal student loan for 3 months, but it would cost $50.00. Otherwise, I have to continue to pay $89.00 because I do n't have the option to base the payments off my income with either the federal or private loan which as an additional $100.00 ea month. I 'm confused because this is a new law that was passed regarding school loans. Yet, you c... |
Navient Student loan can't repay my loan can't get flexible payment options December 5, 2015 - My servicer will not give me a deferment or income based repayment plan. They tell me my co-signer can pay it. Why would I do that? I just need a lower payment. ... |
Navient Student loan dealing with my lender or servicer trouble with how payments are handled December 4, 2015 - I am a co-signer for my son, - -. He attends - University in -, PAOn entry to school in - 2011, he took out a - - loan, I co-signed. I was working a very good job at the time and we opted to pay the interest on this first loan right away. I was laid off from that good job a month after school started. All subsequent loans for school, taken every semester since his entry in - 2011 until current, have been deferred payment loans - payments deferred until after he graduates. All loans were taken out on --At some point a few years ago, - - informed me that they ... |
Navient Debt collection disclosure verification of debt not given enough info to verify debt December 3, 2015 - I was contacted today at work by -, claiming to be a debt collector and that this was a personal business matter, however the caller did not state who they were, what the debt was, nor would they verify the information that asked about. This same number has called my cell phone, with the same lack of information. They are asking me to verify personal information, and want me to answer their questions, however when I ask for a reverse verification they state that they are unable to provide me the information that I am asking for, unless I provide them my personal information. ... |
Navient Student loan dealing with my lender or servicer keep getting calls about my loan December 3, 2015 - Navient has called and left a voicemail on a previous employers mailbox. Not only is this a violation of my rights, a disruption to their business but I have also asked that they no longer contact me via phone but only to contact me via USPS. This is the second time it has happened and I do not believe my previous employer appreciates the calls. ... |
Navient Student loan dealing with my lender or servicer received bad information about my loan December 3, 2015 - I have been asking for several years for an explanation of how the balance of my loan is so high. Frankly, I have another loan I am paying on through - and thought that that was the only loan. Then I got confused when a company called - was asking for money. I do not remember having - loans. The loan was for my daughter to go to what was originally - - -, then it changed to - University. This school is closed. I have never received a breakdown of the total costs. The - loan was about $ - and I have been making payments. The - loan I am disputing as they are saying... |
Navient Student loan dealing with my lender or servicer keep getting calls about my loan December 3, 2015 - My name is -, my grandmother - who is a co-signer on one of my loans which was with - before - was taken over Navient Solutions. Navient Solutions has harassed my grandmother - for several months and are now stating that they are filing a law suit against her for payment on the loan. My account has been in deferment because I am currently in school at -, additionally, in -/-/2015 when I had access to my online account my deferment was still in place for my account. My grandmother starting complianting around - that she can not take getting several calls throughout th... |
Navient Student loan dealing with my lender or servicer trouble with how payments are handled December 2, 2015 - My daughter was to be on an auto pay program for 3 months so she could qualify for a 15 month payment program. Navient took out the - payment for -, but not for - ... .so she is 'late ' again. Their fault, not hers. More fees and bad credit, on her, and me as a cosigner. This has happened over and over again, and we have documentation. Looking for help with legal issues to sue. ... |
Navient Student loan can't repay my loan can't decrease my monthly payments December 2, 2015 - I have made numerous attempts with Navient to get my monthly payment reduced on a private student loan. Since this loan went into repayment again in - 2015, I have maxed out all of my credit cards and now I can not pay them, I had to surrender my automobile and purchase a cheaper one ( but the payment is still high because of my credit score ). I am even to the point that I am considering filing Chapter - Bankruptcy on top of the Chapter - I filed 3 years ago. Everything was going well after Chapter - until the Navient Private Loan went into repayment again. Navient says because I ... |
Navient Student loan dealing with my lender or servicer trouble with how payments are handled December 2, 2015 - Aside from being a predatory lending company with inflated interested rates. Navient has disabled my account and made it impossible to log back in. I 've called them multiple times trying to resolve this but they refuse to help. I have absolutely no access to my account, I can not pay them, and nobody in customer service can help me. I 've also submitted complaints via email and social media. They also call me day and night, disrupting my work day and upsetting my employer. They call at night when I am sleeping and on Holidays. They are relentless. I can over over - missed calls in 30 minut... |
Navient Student loan can't repay my loan can't temporarily postpone payments December 2, 2015 - I am about to -. My federal loans have all been placed in deferment because of my national service. However, Navient, which is servicing - private student loans, is refusing to give me any accommodation. They claim to have some form of special treatment for those serving in the Armed Forces, but not for - - service. Navient also claims that I " used up '' most of my contractual " forbearance '' from when I did two years of service in an - - program in a - public school. That " forbearance '' was a dubious benefit ; while I did n't have to make monthly payments, the loans (... |
Navient Student loan dealing with my lender or servicer trouble with how payments are handled December 1, 2015 - I attended - - University - - -, NJ - for - school and the only lender that you were allowed to borrow from was - -, now Navient. Since repayment started in 2007, I have paid $31000.00 of which $5700.00 has been applied to the principal. That means $25000.00 or 81 % of my payments has gone to interest. At this rate, I will never be out from under this debt. ... |
Navient Student loan dealing with my lender or servicer trouble with how payments are handled December 1, 2015 - My monthly payment increased to $ -/month and I was laid off from my job. After going back and forth with my private loan provider about lowering my interest rate, my application for a lowered interest rate was denied twice. Now I am being hit with late fees in addition to two months of unpaid payments. I do n't know what to do, and the company is not giving me ANY information on how to move forward in a way that works for me in my current situation. If my payments were lowered, I could continue paying on time as I have done every single month since graduation in 2009. Instead of helping th... |
Navient Student loan can't repay my loan can't decrease my monthly payments December 1, 2015 - I owe about - in private student loans. I am - years old and unable to afford a mortgage and move on with my life. is there any way I could pay less or have something forgiven? I am with navient and have a very low interest rate. I am paying - in private loans and - in federal. I 've called many different Places with no help. please help me. ... |
Navient Student loan dealing with my lender or servicer need information about my balance/terms December 1, 2015 - On -/-/15 I reached out to a Navient Ombudsman, - -, asking for my loans variable index, margin, and rate cap. I received the attached response, in a secured document, ( the pw is - ) Navient is intentionally not disclosing the margin or rate cap so that I can not make a fully informed decision on loan refinancing. ... |
Navient Student loan dealing with my lender or servicer don't agree with fees charged December 1, 2015 - I went to University - - for the first two years of my - and - College for the last two years of my -. They have charged me a 9.75 % interest rate since I took my loan out over 5 years ago. Their interest rates are too high. ... |
Navient Student loan dealing with my lender or servicer trouble with how payments are handled November 30, 2015 - Hello - I have - private student loans through Navient, which were originally - - loans. I have had these loans prior to -/-/--/-/-. -/-/- through -/-/- I was enrolled more than half time in a law school program and from -/-/--/-/- I was enrolled in an LLM program more than half time which I am still enrolled in to this day. I received a bill from Navient last month stating that my in school deferment had ended on my loan, as the in school deferment option had ended on my loan and that the loan documents stated that there was only a 2 year period of in ... |
Navient Student loan can't repay my loan can't decrease my monthly payments November 30, 2015 - I attended the University of - from -/-/--/-/- for my undergraduate degree. - loan of my was private through - -, now Navient. When I completed my - degree -/-/- to a terrible economy I was allowed a forbearance and then a reduced payment. I was unable to find a full time job for 6 years. In the 3rd year I started working as a -. I was making - dollars -. I had to - to pay this loan each month, but I did it to keep it in good standing. I 've been working full time now, underemployed, for just over a year, and I declared bankruptcy to get rid of old pe... |
Navient Debt collection communication tactics called outside of 8am-9pm November 30, 2015 - Navient, the loan servicer for - - Student PLUS loans will practically harass you by calling at least 10 times a day and when you answer the call in attempt to make payment arrangements based off of your income become rude, insensitive and almost hostile. ... |